Millions of Africans have no access to banks. There can be no sustainable development without catering to these groups. Mobile money services is a way of providing access to basic payment services to these section of people through mobile phones. Learn more about Africa financial services landscape and Mahindra Comviva's success in the region.

1. A F R I C A
Ourstory of
unparalleled success
Africa Financial
Services
Landscape

2. Africa has mere 24% banking population
East Asia &
Pacific
Latin
America
East Europe &
Central Asia
South
Asia
Middle East &
North Africa
Sub-Saharan
Africa
18%
24%
33%
39%
45%
55%
0%
50%
100%
150%
200%
Penetration(%)
Mobile penetration (2013) Banking penetration (2012)
Source: World Bank indicators 2011, World Bank Findex 2012, Wireless Intelligence 2013 Note: Data above considers adult banking penetration, Adults refers to people above the age of 15

3. Percentage of Banked adults
24% 54%
Bank branches per 100,000 adults
3.4 20.6
ATMs per 100,000 adults
4.5 67.7
2%
54%
Niger
South
Africa
Banking
Services
Disparity
In Africa
Source: World Bank indicators 2011, World Bank Findex 2012, Wireless Intelligence 2013
Africa has mere 24% banking population

4. Adults with an account at a formal financial institution (% age 15+)
38
40
NA
31
11
22 25 22 20
8
15 17 14 15 13 14 12 6 5 7 5 4 2 2 1
76
38
NA
42
57
49 52
14
27 26
36
19
41
30 26
17
35
19
13 18
9 10 11 11 9
0
20
40
60
80
Percentage
Rural Urban Adults with an account at a formal financial institution by area of residence (% age 15+)
 70% of the adult population does not have a bank account
 Wide asymmetries in urban and rural access to financial infrastructure
Source: World Bank Findex 2011
10
20
30
40
70% of the population is unbanked

5. 99 of 196 MNOs in 44
African countries offer
mobile money service
Africa mobile financial services deployments by region
Guinea B
1 of 3
Niger
3 of 4
Egypt
3 of 3
Kenya
4 of 4
Uganda
4 of 6
Benin
2 of 5
Cameroon
2 of 3
Ivory
Coast
3 of 6
Congo
2 of 4
Botswana
2 of 3
S.A.
2 of 4
Swaziland
1 of 1
Zambia
3 of 3
Rwanda
3 of 3
Ghana
3 of 6
Nigeria
5 of 8
Liberia
1 of 5
Gabon
2 of 4
Burundi
2 of 5
DRC
3 of 6
Mali
2 of 2
Mauritania
2 of 3Senegal
1 of 3
S.L.
2 of 4
Somalia
5 of 11
Tanzania
4 of 8
B.F.
3 of 3
Morocco
2 of 3
Chad
2 of 3
Madagascar
3 of 4
Mozambique
2 of 3
Zimbabwe
3 of 3
Lesotho
2 of 2
Mauritius
3 of 4
Malawi
2 of 2
Djibouti
1 of 1
Tunisia
2 of 3
Guinea C
2 of 5
Seychelles1
of 3
South
Sudan
1 of 5
Sudan
1 of 3
Namibia
1 of 3
Togo
1 of 2
LibyaAlgeria
Ethiopia
Angola
CAR
<= 25%
26% to 50%
51% to 75%
>75%
0%
MNOs with mMoney
39
32
28
Rest of Africa
West Africa
East Africa
Source: GSMA, Mahindra Comviva research
50% of MNOs in Africa offer Mobile Money Service

6. 16
18
15Rest of Africa
East Africa
West Africa
mobiquity® Money deployments
Legend
Source: Mahindra Comviva research
CAR
Zimbabwe
Zambia
Guinea B
Niger
Egypt
Kenya
Uganda
Benin
Cameroon
Ivory
Coast
Congo
S.A.
Swaziland
Rwanda
Ghana
Nigeria
Liberia
Gabon
Burundi
DRC
MaliMauritania
Senegal
S.L.
Somalia
Tanzania
B.F.
Morocco
Chad
Madagascar
MozambiqueLesotho
Mauritius
Malawi
Tunisia
Guinea C
Seychelle
s
South
Sudan
Sudan
Namibia
Togo
LibyaAlgeria
Ethiopia
Angola
Botswan
a
Mahindra Comviva’s mobiquity® Money footprint
No deployment
1 deployment
2 deployments
3 deployments

7. 7
Market leaders in commerce, data and content
Leading the
market in the
mobile recharge
and financial
solutions
Powering the data
revolution
Developing the
digital content
ecosystem
Over 130 operators
Over 130 content partners
Over 300,000 unique tracks in
over 35 local languages
Over 80 deployments
In more than 40 countries
With over 500 million
subscribers
Over 120 deployments globally
Over 750 million subscribers
40% share of Africa’s mobile
money market
Over 90 countries
About us : Mahindra Comviva

8. 8
PreTUPS™
mobiquity
®
payPLUS
connectMoney
Mahindra Comviva is among top 3
mobile financial providers in
emerging markets
• 120+ deployments
of PreTUPS™ and
mobiquity®
• Processing $22+ B
payment flows
• Empowering 750+
million consumers
globally
Mahindra Comviva’s Mobile Financial Solutions

9. 9
Thank You
Mahindra Comviva is the global leader in providing mobile financial and VAS solutions. It’s a subsidiary
of Tech Mahindra and a part of the USD 16.5 billion Mahindra Group. With an extensive portfolio of
solutions spanning mobile finance, content, infotainment, messaging, mobile data and managed VAS
services, Mahindra Comviva enables service providers to enhance customer experience, rationalize
costs and accelerate revenue growth. Its solutions are deployed by over 130 mobile service providers
and financial institutions in over 90 countries and enrich the lives of over a billion people, globally. For
more information, please visit www.mahindracomviva.com